Dining & Groceries Credit Cards Compared — United States
Built for people who eat out · 🇺🇸 United States
These cards earn their keep if a real share of your budget goes to restaurants, delivery and groceries, with bonus rates commonly 3% to 4x as of 2026. Spend $7,000 a year on food at 4% and that's about $280, versus $140 from a flat 2% card. Watch the definitions, though: warehouse clubs and Walmart often don't code as grocery stores, and some cards cap grocery bonuses at a yearly limit. Skip a dining card if you mostly cook from a big-box store that codes as general retail; you'll earn the base rate anyway. Check which merchants count and any spending caps with the issuer before applying.
13 cards to compare side by side
Chase Sapphire Preferred Card
Chase
If you want transferable points without paying for lounge access you'll never use, the Pr…
Chase Sapphire Reserve
Chase
This only makes sense if you'll burn through the annual travel credit and use Priority Pa…
Chase Freedom Unlimited
Chase
A solid no-fee everyday card, but its real value shows up only when you also hold a Sapph…
American Express Gold Card
American Express
Best for people who spend a lot on restaurants and U.S. supermarkets, where the 4x rate i…
Blue Cash Preferred Card from American Express
American Express
For grocery-heavy households this beats most flat-rate cards, paying 6% at U.S. supermark…
Citi Strata Premier Card
Citi
Pick the Strata Premier if you want one $95 card that earns 3x on a genuinely wide net (a…
Capital One Savor Cash Rewards Credit Card
Capital One
The Savor is the simplest dining-and-fun card: unlimited 3% on dining, entertainment, pop…
Capital One SavorOne Cash Rewards Credit Card
Capital One
A no-annual-fee card that pays unlimited 3% on dining, entertainment, streaming and groce…
Bank of America Premium Rewards Credit Card
Bank of America
The Premium Rewards card earns its $95 fee back fast through up to $200 in annual credits…
Wells Fargo Autograph Card
Wells Fargo
For a no-fee card, the Autograph's 3x net is unusually wide: restaurants, travel, gas, tr…
U.S. Bank Altitude Go Visa Signature Card
U.S. Bank
Foodies get the most here: 4x on dining including takeout and delivery with no annual fee…
Wells Fargo Autograph Journey Card
Wells Fargo
Wells Fargo's $95 travel card leads with 5x on hotels and 4x on airlines, plus transferab…
Sam's Club Mastercard
Synchrony
This one earns its keep on gas: 5% back on the first $6,000 of fuel a year (then 1%), plu…
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